Even if you are fit and healthy, don’t travel without health insurance – accidents do happen. Declare any existing medical conditions you have – the insurance company will check if your problem is pre-existing and will not cover you if it is undeclared. You may require extra cover for adventure activities such as scuba diving. If your health insurance doesn’t cover you for medical expenses abroad, consider getting extra insurance. If you’re uninsured, emergency evacuation is expensive.
Find out in advance if your insurance plan will make payments directly to providers, or whether the company will reimburse you later for your overseas health expenditures. (In many countries, including Bangladesh, doctors expect payment in cash.) Some insurance policies offer lower and higher medical-expense options; the higher ones are primarily for countries that have extremely high medical costs, such as the USA. You may prefer a policy that pays doctors or hospitals directly rather than you having to pay on the spot and make a claim later. If you have to claim later, make sure you keep all documentation. Some policies ask you to call back (reverse charges) to a centre in your home country, where an immediate assessment of your problem is made.
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